Billing & Insurance
We understand how confusing and stressful billing and insurance can be. When you call to set up an initial session, please have your insurance card with you. As a courtesy, we will ask you for this information ahead of time and have our Billing Team check into your benefits so we can give you a cost estimate. We would also suggest checking your coverage carefully by calling your insurance company and asking the following questions:
-Do I have mental health insurance benefits?
-What is my deductible and has it been met?
-Do I have a copay?
-How many sessions per year does my health insurance cover?
-Is pre-approval needed for counseling/therapy sessions?
Questions About Your Bill?
For questions about your bill please contact Kadra’s Billing Agency at (402) 421-1182
The insurance coverage is a contract between you and your insurance company. Because of this, your insurance policy defines benefits of coverage you are entitled to under your policy. While each plan is different, your plan may cover all or some of the cost of your services, less any deductible, co-pays, or co-insurance amounts, which are your responsibility.
For any questions, we suggest calling your insurance.
If you do not have mental health coverage we offer a self-pay rate. This amount is due when you come in for your session. Please see the rates below:
For a therapist who is a LIMHP or LMHP….
-$150 for the first session
-$100 per one-hour session
For a Psychologist….
-$190 for the first session
-$140 per one-hour session
****Please contact us for information for psychological evaluations
This is the amount you must pay each calendar year for covered services, before benefits are payable by the insurance company. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
If you have a deductible, you will be responsible for paying the “negotiated rate” that is determined by your insurance company. This is sometimes called “eligible expense”, “payment allowance”, or “allowed amount”. The negotiated rate can vary greatly, so we suggest calling your insurance company and asking what their rates are for counseling.
This is the percentage amount you must pay for covered services, after you’ve paid your deductible.
Let’s say your health insurance plan’s allowed amount for an office visit is $1000 and your co-insurance is 20%.
-If you’ve paid your deductible: You pay 20% of $100, or $20. The insurance company pays the rest.
-If you haven’t met your deductible: You pay the full allowed amount, $100.
A Co-Payment (sometimes called “copay”) is a fixed amount ($20 for example) you pay for services. Copays can vary for different services within the same plan. Your copay is due at the time of service.
An EOB is a statement from your health insurance plan describing what costs it will cover for medical care you’ve received. The EOB is generated when we submit a claim for the services you recieve. The insurance company sends you EOBs to explain the cost of care you received.
Due to high patient demand and the limited availability of appointments, we do have a “No Show and Late Cancellation Fee” policy that will result in a $50 fee if you cancel your appointment with less than 24 hour’s notice or do not show up for your appointment.
We accept cash, check, and all major credit cards for payment. You can also pay online by clicking “Make a Payment” at the top of our website.
Have Another Question?
Not finding the answer to your question? Call us at 402.489.6196 or send us an email by clicking below: